{"id":186,"date":"2020-06-11T16:54:59","date_gmt":"2020-06-11T14:54:59","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=186"},"modified":"2024-06-10T13:17:06","modified_gmt":"2024-06-10T11:17:06","slug":"je-mimoriadne-splacanie-hypoteky-skutocne-vyhodne","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/je-mimoriadne-splacanie-hypoteky-skutocne-vyhodne\/","title":{"rendered":"S\u00fa mimoriadne spl\u00e1tky hypot\u00e9ky naozaj v\u00fdhodn\u00e9?"},"content":{"rendered":"\n<p><b>Spl\u00e1cate hypot\u00e9ku a napriek tomu sa v\u00e1m dar\u00ed, popri va\u0161ich \u017eivotn\u00fdch n\u00e1kladoch, odlo\u017ei\u0165 nie\u010do \u201ebokom\u201c. \u010co s takto u\u0161etren\u00fdmi peniazmi rob\u00edte? Spor\u00edte, alebo spl\u00e1cate mimoriadnymi spl\u00e1tkami svoju hypot\u00e9ku r\u00fdchlej\u0161ie? Zam\u00fd\u0161\u013eali ste sa niekedy nad t\u00fdm, \u010do je v\u00fdhodnej\u0161ie?<\/b><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\">S\u00fa mimoriadne spl\u00e1tky hypot\u00e9ky naozaj v\u00fdhodn\u00e9?<\/span><\/h3>\n\n\n\n<p>Martin si pred \u0161tyrmi rokmi zobral hypot\u00e9ku na 30 rokov. Dnes je jeho zostatok \u00faveru <strong>80 000 eur s \u00farokom 1,5 %.<\/strong> Jeho pravideln\u00e1 mesa\u010dn\u00e1 spl\u00e1tka hypot\u00e9ky je<strong> 310 eur.&nbsp;<\/strong>Martin je v\u0161ak schopn\u00fd, popri svojich \u017eivotn\u00fdch n\u00e1kladoch, u\u0161etri\u0165 ka\u017ed\u00fd mesiac \u010fal\u0161\u00edch 200 eur. \u010co je pre neho v\u00fdhodnej\u0161ie? Spl\u00e1ca\u0165 mimoriadne hypot\u00e9ku alebo u\u0161etren\u00e9 peniaze investova\u0165?<\/p>\n\n\n\n<p>Ak by Martin pou\u017eil tieto peniaze na <b>mimoriadne spl\u00e1tky hypot\u00e9ky<\/b>, svojej hypot\u00e9ky sa zbav\u00ed \u00faplne o p\u00e4tn\u00e1s\u0165 rokov. Za toto obdobie zaplat\u00ed banke celkovo <b>89 400 e<\/b><b>ur.<\/b><\/p>\n\n\n\n<p>Ak by v\u0161ak Martin tie ist\u00e9 peniaze <b>investoval, s ro\u010dn\u00fdm zhodnoten\u00edm na \u00farovni 6 %*,<\/b> svojej hypot\u00e9ky sa zbav\u00ed u\u017e o \u0161trn\u00e1s\u0165 rokov. Nielen \u017ee svojej banke zaplat\u00ed iba <b>85 680 eur<\/b>, e\u0161te mu aj <b>na \u00fa\u010dte zostane viac ako 8 000 eur.<\/b><img decoding=\"async\" class=\"alignnone wp-image-197\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/tabulka-1024x757.png\" alt=\"\" width=\"620\" height=\"458\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/tabulka-1024x757.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/tabulka-300x222.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/tabulka-768x567.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/tabulka-1200x887.png 1200w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/tabulka.png 1390w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/><\/p>\n\n\n\n<p><span style=\"font-weight: 400; font-size: 8pt;\">*Priemern\u00fd ro\u010dn\u00fd v\u00fdnos najzn\u00e1mej\u0161ieho akciov\u00e9ho indexu S&amp;P 500 za posledn\u00fdch 10 rokov je 12,803 %.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\">Zapla\u0165te banke \u010do najmenej<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Dar\u00ed sa aj v\u00e1m, popri be\u017en\u00fdch v\u00fddavkoch a pravidelnej spl\u00e1tke hypot\u00e9ky, u\u0161etri\u0165 nie\u010do navy\u0161e? Ak t\u00fdmito peniazmi spl\u00e1cate svoju hypot\u00e9ku r\u00fdchlej\u0161ie, nekon\u00e1te najrozumnej\u0161ie.<\/span><\/p>\n\n\n\n<p><i><span style=\"font-weight: 400;\">\u201cZ finan\u010dn\u00e9ho h\u013eadiska m\u00e1 v\u00e4\u010d\u0161iu logiku<strong> zaplati\u0165 banke \u010do najmenej za \u010do najdlh\u0161iu dobu a u\u0161etren\u00e9 peniaze <a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\">investova\u0165<\/a><\/strong>,\u201d<\/span><\/i><span style=\"font-weight: 400;\"> hovor\u00ed Eva \u0160ablov\u00e1, riadite\u013eka pre \u00favery v spolo\u010dnosti FinGO.sk. <\/span><i><span style=\"font-weight: 400;\">\u201eS tak\u00fdmto pr\u00edstupom si postupne budujete finan\u010dn\u00fa rezervu, ktor\u00fa viete pou\u017ei\u0165 bu\u010f na pred\u010dasn\u00e9 splatenie celej hypot\u00e9ky, alebo v pr\u00edpade mimoriadnych okolnost\u00ed, ako s\u00fa napr\u00edklad mimoriadne v\u00fddavky alebo zn\u00ed\u017eenie pr\u00edjmu, ich jednoducho pou\u017eijete pre seba.\u201c<\/span><\/i><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Navy\u0161e, ak vy r\u00fdchlej\u0161ie spl\u00e1cate svoju hypot\u00e9ku mimoriadnym vkladom va\u0161ich pe\u0148az\u00ed, zbavujete sa nie\u010doho, za \u010do plat\u00edte 1,5 % ro\u010dne. Pritom m\u00e1te mo\u017enos\u0165 <strong>zarobi\u0165 na t\u00fdch ist\u00fdch peniazoch 5 % alebo aj 10 % ro\u010dne<\/strong>. Na to netreba ve\u013ek\u00fa matematiku, aby \u010dlovek pochopil, \u017ee tie ist\u00e9 peniaze, ak ich investujete, v\u00e1m zarobia omnoho viac, ako by v\u00e1m ubrali z dlhu. In\u00fdmi slovami, mimoriadne spl\u00e1tky hypot\u00e9ky m\u00f4\u017eu ma\u0165 v\u00fdznam, av\u0161ak pri v\u00fdrazne vy\u0161\u0161\u00edch hypotek\u00e1rnych \u00farokoch.<\/span><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h3><span style=\"color: #ec8124;\">Mimoriadne spl\u00e1tky dnes ned\u00e1vaj\u00fa zmysel&nbsp;<\/span><\/h3>\n\n\n\n<p><i><span style=\"font-weight: 400;\">\u201cHypot\u00e9ky s\u00fa dnes v\u010faka <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-zjednodusit-vybavenie-hypoteky\/\">rekordne n\u00edzkym<\/a> \u00farokov\u00fdm sadzb\u00e1m ve\u013emi lacn\u00e9, preto mimoriadne spl\u00e1tky hypot\u00e9ky ned\u00e1vaj\u00fa zmysel,\u201d<\/span><\/i><span style=\"font-weight: 400;\"> mysl\u00ed si \u0160ablov\u00e1, ale z\u00e1rove\u0148 upozor\u0148uje: <\/span><i><span style=\"font-weight: 400;\">\u201cNemus\u00ed to tak by\u0165 v\u017edy. Ke\u010f sa \u00farokov\u00e1 sadzba na hypot\u00e9ke zv\u00fd\u0161i a bude pribli\u017ene rovnak\u00e1 ako v\u00fdnos na akci\u00e1ch alebo inom zhodnoten\u00ed, vtedy bude v\u00fdhodnej\u0161ie spl\u00e1ca\u0165 svoj dlh.\u201d<\/span><\/i><span style=\"font-weight: 400;\">&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ka\u017edop\u00e1dne v\u0161ak nie je spr\u00e1vne robi\u0165 za ka\u017ed\u00fa cenu mimoriadne spl\u00e1tky do hypot\u00e9ky na \u00fakor vytv\u00e1rania rezerv pre seba a svoju rodinu. Z finan\u010dn\u00e9ho h\u013eadiska <strong>ste na tom lep\u0161ie vtedy, ak m\u00e1te dlh a popri tom aj <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">finan\u010dn\u00fa rezervu<\/a><\/strong>, ako ma\u0165 dlh, s\u00edce men\u0161\u00ed, ale \u017eiadne \u00faspory.<\/span><\/p>\n\n\n\n<p><iframe id=\"banner\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" src=\"https:\/\/www.fingo.sk\/banner\/version2\" name=\"banner\" width=\" 90%\" height=\"328\" frameborder=\"0\" scrolling=\"1\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Pred\u010dasn\u00e9 splatenie a poplatky<\/b><span style=\"font-weight: 400;\">&nbsp;<\/span><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak by ste predsa len uva\u017eovali nad pred\u010dasn\u00fdm splaten\u00edm hypot\u00e9ky, je d\u00f4le\u017eit\u00e9 vedie\u0165 aj to, <strong>kedy treba po\u010d\u00edta\u0165 s poplatkom<\/strong> a ktor\u00e9 spl\u00e1tky s\u00fa bez poplatku.<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ak splat\u00edte cel\u00fd \u00faver na b\u00fdvanie <strong>mimo v\u00fdro\u010dia va\u0161ej fix\u00e1cie<\/strong>, banka v\u00e1m bude \u00fa\u010dtova\u0165 poplatok za pred\u010dasn\u00e9 splatenie. Jeho v\u00fd\u0161ka m\u00f4\u017ee by\u0165 <strong>max. 1 % zo zostatku \u00faveru<\/strong>.&nbsp;<\/span><span style=\"font-weight: 400;\">Pokia\u013e v\u0161ak splat\u00edte cel\u00fd svoj \u00faver <strong>vo v\u00fdro\u010d\u00ed fix\u00e1cie, vtedy je to bezplatn\u00e9.<\/strong>&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Mimoriadne spl\u00e1tky hypot\u00e9ky bez \u00fa\u010dtovania poplatku<\/strong> v\u00e1m mus\u00ed povoli\u0165 ka\u017ed\u00e1 banka <strong>minim\u00e1lne raz za rok, a to vo v\u00fd\u0161ke do 20 % zo zostatku istiny<\/strong> ku d\u0148u v\u00fdro\u010dia podpisu zmluvy.&nbsp;<\/span><span style=\"font-weight: 400;\">Niektor\u00e9 banky umo\u017e\u0148uj\u00fa bezplatn\u00e9 mimoriadne spl\u00e1tky aj nad tento legislat\u00edvny r\u00e1mec.<\/span><\/li>\n<\/ul>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pozor!<\/span> <\/b><span style=\"font-weight: 400;\">Ak m\u00e1te <strong>hypot\u00e9ku pre mlad\u00fdch s da\u0148ov\u00fdm bonusom<\/strong>, pri pred\u010dasnom splaten\u00ed celej hypot\u00e9ky o bonus z\u00edskan\u00fd za uplynul\u00e9 roky nepr\u00eddete. Splaten\u00edm \u00faveru v\u0161ak zanik\u00e1 n\u00e1rok na uplatnenie da\u0148ov\u00e9ho bonusu v nasleduj\u00facich rokoch.&nbsp;<\/span><span style=\"font-weight: 400;\">Ak by ste robili len mimoriadnu spl\u00e1tku \u00faveru, o da\u0148ov\u00fd bonus nepr\u00eddete, av\u0161ak m\u00f4\u017ee sa zn\u00ed\u017ei\u0165 jeho v\u00fd\u0161ka v z\u00e1vislosti od zostatku \u00faveru a celkov\u00fdch zaplaten\u00fdch \u00farokov v danom roku.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\">Ide\u00e1lne s\u00fa \u010do najni\u017e\u0161ie spl\u00e1tky<\/span><\/h3>\n\n\n\n<p>Finan\u010dn\u00ed odborn\u00edci sa zhoduj\u00fa v tom, \u017ee najlep\u0161ie, \u010do m\u00f4\u017eete urobi\u0165 z h\u013eadiska ochrany seba alebo svojej rodiny, je <strong>dohodn\u00fa\u0165 sa s bankou na \u010do najni\u017e\u0161\u00edch spl\u00e1tkach<\/strong>. Omnoho v\u00e4\u010d\u0161\u00ed zmysel m\u00e1 \u0161etrenie popri hypot\u00e9ke, ako jej pred\u010dasn\u00e9 spl\u00e1canie.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>S tak\u00fdmto pr\u00edstupom si postupne budujete finan\u010dn\u00fd majetok, o ktor\u00e9ho pou\u017eit\u00ed rozhodujete iba vy sami.<\/p>\n<\/blockquote>\n\n\n\n<p><i><span style=\"font-weight: 400;\">\u201cAk v\u00e1m va\u0161a \u017eivotn\u00e1 situ\u00e1cia dovo\u013euje u\u0161etri\u0165 mesa\u010dne hoci aj men\u0161iu sumu pe\u0148az\u00ed, ned\u00e1vajte ich sp\u00e4\u0165 do banky vo forme mimoriadnych spl\u00e1tok. <strong>Rad\u0161ej ich \u0161etrite a <a href=\"https:\/\/www.fingo.sk\/blog\/mam-zacat-investovat-do-zlata-ked-jeho-cena-rastie\/\">zhodnocujte<\/a><\/strong>,\u201d<\/span><\/i><span style=\"font-weight: 400;\"> rad\u00ed aj investi\u010dn\u00fd analytik FinGO.sk Franti\u0161ek Burda.<\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1730\" height=\"1155\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty.jpg\" alt=\"kalkula\u010dka a peniaze\" class=\"wp-image-2330\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty.jpg 1730w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-768x513.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-1024x684.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/05\/vyhodnejsie-produkty-1080x721.jpg 1080w\" sizes=\"(max-width: 1730px) 100vw, 1730px\" \/><\/figure><\/div>\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ako investova\u0165 bezpe\u010dne a v\u00fdhodne <\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Myslite na bud\u00facnos\u0165 a nechajte svoje peniaze zar\u00e1ba\u0165 pre v\u00e1s. <\/span><i><span style=\"font-weight: 400;\">\u201cV na\u0161om <a href=\"https:\/\/www.fingo.sk\/investovanie\">online porovn\u00e1va\u010di<\/a> n\u00e1jdete bezpe\u010dn\u00e9 a v\u00fdhodn\u00e9 <strong>sp\u00f4soby investovania u\u017e od 20 eur mesa\u010dne<\/strong>. Pravideln\u00fdm \u0161etren\u00edm, hoci aj men\u0161ej sumy pe\u0148az\u00ed, bude v\u00e1\u0161 majetok r\u00fdchlo narasta\u0165,\u201d<\/span><\/i><span style=\"font-weight: 400;\"> dod\u00e1va Burda. Za\u010da\u0165 m\u00f4\u017eete u\u017e dnes.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">S v\u00fdberom vhodn\u00e9ho sp\u00f4sobu investovania v\u00e1m, na z\u00e1klade va\u0161ich osobn\u00fdch preferenci\u00ed, radi pom\u00f4\u017eu na\u0161i<strong> investi\u010dn\u00ed \u0161pecialisti z FinGO.sk.<\/strong><\/span><\/p>\n\n\n\n<p>Zavolajte n\u00e1m na <span style=\"color: #ec8124;\">0800 60 10 60<\/span> alebo n\u00e1m <span style=\"color: #ec8124;\">zanechajte kontakt<\/span> a na\u0161i odborn\u00edci sa v\u00e1m ozv\u00fa sami.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_mortgage\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=mortgage\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Spl\u00e1cate svoju hypot\u00e9ku, napriek tomu sa v\u00e1m dar\u00ed, popri va\u0161ich \u017eivotn\u00fdch n\u00e1kladoch, odlo\u017ei\u0165 nie\u010do \u201ebokom\u201c. \u010co s takto u\u0161etren\u00fdmi peniazmi rob\u00edte? Spor\u00edte, alebo spl\u00e1cate hypot\u00e9ku r\u00fdchlej\u0161ie? Zam\u00fd\u0161\u013eali ste sa niekedy nad t\u00fdm, \u010do je v\u00fdhodnej\u0161ie?<\/p>\n","protected":false},"author":26,"featured_media":187,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,5,6],"tags":[23,18,179,180],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>S\u00fa mimoriadne spl\u00e1tky hypot\u00e9ky naozaj v\u00fdhodn\u00e9? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Mimoriadne spl\u00e1tky hypot\u00e9ky v s\u00fa\u010dasnosti kv\u00f4li rekordne lacn\u00fdm \u00faverom ned\u00e1vaj\u00fa zmysel. U\u0161etren\u00e9 peniaze rad\u0161ej investujte. 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